SMART PORTFOLIO
Investing simplified
SMART Portfolio offers professionally managed portfolio services,
utilising our Cyborg Methodology. With fees starting from as low as
0.5% per annum, we make it easy for you to grow your wealth.
Enjoy Upsized Earnings
Rate updated as of 5 September 2022.
#Based on the average rate of annualised returns over the last rolling week.
Past performance is not necessarily indicative of future performance. View disclaimer.
SMART Park Rates:
Return (7 day) Annualised*
SGD
2.9003%p.a.
Rate updated as of 5 September 2022.
#Based on the average rate of annualised returns over the last rolling week.
Past performance is not necessarily indicative of future performance. View disclaimer.
Return (7 day) Annualised*
2.90%p.a. +1.5%p.a.
Return (7 day) Annualised*
Why SMART Park
- High quality government and corporate bonds
- Commercial bills and fixed deposits.
- High quality government and corporate bonds
- Commercial bills and fixed deposits
- High quality government and corporate bonds
- Commercial bills and fixed deposits
Based on Total Net Asset (TNA) figures reflected in FundSingapore.com
How to qualify for this promotion?
New Users
Open an Account
Opt-in to SMART Park
Opt-in to Excess Funds Management (SMART Park)
Deposit New Users
Opt-in to SMART Park
Opt-in to Excess Funds Management (SMART Park)
Frequently Asked Questions
Individual Cash Plus, Cash Management, Margin, Prepaid, and Custodian Accounts.
No. Cash Trading and Share Financing Accounts are not eligible for this promotion. You may consider opening an eligible account type or converting your Cash Trading account to a Cash Management Account.
Login to POEMS 2.0 Website > Acct Mgmt > Stocks > Online Forms. Cash Trading Account with existing GIRO facility has to be terminated before we are able to process the conversion of your existing Cash Trading or Share Financing Account to a Cash Management Account.
Yes. You are allowed to use the funds to trade on POEMS. However, to be eligible for this promotion, only the nett balance of deposits at the end of the 30 days holding period will be eligible for the 1.5% p.a. payout. Any withdrawal or settlement using the deposited funds during the holding period will be excluded from the calculation.
Only the nett balance of deposits at the end of the 30 days holding period will be eligible for the 1.5% p.a. payout. Any withdrawals or settlements using the deposited funds during the holding period will be excluded from the calculation.
Yes. You are allowed to deposit a total of S$10,000 within 7 days from your first deposit to participate in this promotion. You can top up more than S$10,000 to SMART Park. We will reward you with the additional 1.5% (on up to S$10,000) while your balance idle cash continues to earn returns from SMART Park.
Yes, you can top up more than S$10,000 into SMART Park. We will reward you with the additional 1.5% returns (on up to S$10,000) while your balance idle cash continues to earn returns from SMART Park.
1.5% p.a. bonus payout = 1.5% x (amount deposited capped at S$10,000) / 12
SMART Park Rates shown on the website are based on 7-days annualised return, with net income and dividends reinvested and calculated on a single pricing basis (NAV/NAV prices). Returns shown are net of fund expenses. Past performance is not necessarily indicative of future performance.
Yes. You can continue to keep your idle cash in SMART Park to earn better returns to combat inflation.
Yes. You can withdraw your money anytime. However, please note that in order to be eligible for this promotion, you need to fulfill the 30 days holding period requirement. Beyond this promotion, customers can still utilise SMART Park to earn returns on your idle cash!
Upon first deposit, customers will have 7 days to complete all deposits to participate in this promotion. After 7 days, the 30 days holding period will begin. Upon fulfilling this, customers will receive the additional 1.5% p.a. bonus return.
To view the returns earned, please login to your POEMS Account and go to Acct Mgmt > Stocks > Transaction History > Summary of Portfolio > MMF.
Example scenario 1: Client A deposited S$5,000 on the 3rd day after opting into SMART Park, and deposited another S$3,000 on the 20th day. The 1-month holding period will start on the 8th day of deposit, the 1.5% p.a. bonus will be paid into the account at the end of the holding period. Only the nett balance of deposits at the end of the 30 days holding period will be eligible for the 1.5% p.a. bonus payout. In this example, 1.5% p.a. bonus will only be rewarded for the net balance of S$5,000 deposit.
Example scenario 2: Client B deposited S$10,000 on the 3rd day after opting into SMART Park and made a buy stock transaction worth S$5,000. The 1-month holding period will start on the 8th day of deposit, the 1.5% p.a. bonus will be rewarded on the balance of $5,000. Only the nett balance of deposits at the end of the 30 days holding period will be eligible for the 1.5% p.a. payout. In this example, 1.5% p.a. bonus will only be rewarded for the net balance of deposit of S$5,000.
Terms & Conditions
1. This promotion period is valid from 17 April 2023 (1200 hrs) to 16 June 2023 (2359 hrs), both dates inclusive.
2. Customers must opt into Excess Fund Management Facility (SMART Park) and fund a minimum of S$100 into their POEMS account. Upon first deposit, customers will have 7 days to fund the entire amount to participate in this promotion. After 7 days, the 30-day holding period will begin. Upon fulfilling this, customers will receive a one-time additional 1.5% p.a. bonus return on the funded amount (min S$100, capped at S$10,000), on top of SMART Park returns.
3. *Holding Period: Period to keep funds in the account with no withdrawal of funds during this period
4. Qualifying account types:
4a. New Customers (users who register for a POEMS Account for the first time, and have not yet held any POEMS Accounts previously) during the promotion period.
4b.Existing Customers who opt-in during the promotion period.
4c. Applicable to individual Cash Plus, Cash Management, Prepaid, Custodian, Margin accounts.
5. Payout of 1.5% p.a. bonus return is capped at S$10,000 of deposit per Customer.
6. Payout of 1.5% p.a. bonus will be paid within 30 days upon fulfillment of the holding period.
7. The deposit has to be a fresh fund. Fresh funds refers to cash transferred from a bank account (this does not include funds transferred from Phillip Accounts, internal transfers, and sales proceeds).
8. Only the net balance of deposits at the end of the 30-day holding period will be eligible for the 1.5% p.a. payout. Any withdrawal or settlement using the deposited funds during the holding period will be excluded from the calculation.
9. The 1.5% p.a. bonus return only applies to SGD deposits received as per point 2 and will be calculated based on the 30-day holding period.
10. All fresh funds have to be deposited by 16 June 2023 to be eligible for this promotion.
11. Customers must be at least 18 years of age and not a US Person (an individual who is a US Citizen or US resident).
12. Each Customer is only eligible for one bonus returns reward.
13. In the event of a dispute over the Customer’s eligibility to participate in this promotion, PSPL’s decision is final.
14. Notwithstanding anything herein contained, PSPL reserves the right at any time in its absolute discretion to
(i) amend, add and/or delete these Terms and Conditions without prior notification (including eligibility; replacement of the reward; promotional mechanics, promotion duration without prior notification, qualifying terms and criteria), and all participants shall be bound by such amendments, additions and / or deletions when effected, or
(ii) vary, withdraw, or cancel any items or the promotion without having to disclose a reason thereof and without any compensation or payment whatsoever. PSPL’s decision on all matters relating to the promotion shall be final and binding on all participants.
15. The following persons are not eligible to participate in those promotions unless approved by the management of Phillip Securities Pte Ltd (“PSPL”):
i) PSPL institutional Customers and corporate Customers
ii) PSPL Account holders whose Accounts have been suspended, cancelled or terminated
iii) All employees of PSPL and its associated entities; PSPL and all its subsidiaries
iv) Joint Account holders
16. By taking part in this campaign, the participant acknowledges that he / she has read and consented to these Terms & Conditions.
17. This advertisement has not been reviewed by the Monetary Authority of Singapore.
